0001437749-22-017571.txt : 20220722 0001437749-22-017571.hdr.sgml : 20220722 20220722093453 ACCESSION NUMBER: 0001437749-22-017571 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20220721 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220722 DATE AS OF CHANGE: 20220722 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HMN FINANCIAL INC CENTRAL INDEX KEY: 0000921183 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 411777397 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-24100 FILM NUMBER: 221098755 BUSINESS ADDRESS: STREET 1: 1016 CIVIC CENTER DRIVE NORTHWEST CITY: ROCHESTER STATE: MN ZIP: 55901 BUSINESS PHONE: 5075351200 MAIL ADDRESS: STREET 1: 1016 CIVIC CENTER DRIVE NW CITY: ROCHESTER STATE: MN ZIP: 55901 8-K 1 hmnf20220720_8k.htm FORM 8-K hmnf20220720_8k.htm
false 0000921183 0000921183 2022-07-21 2022-07-21
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
Date of Report (Date of earliest event reported): July 21, 2022
 
HMN Financial, Inc.
(Exact Name of Registrant as Specified in its Charter)
 
Delaware
 
0-24100
 
41-1777397
(State or other jurisdiction
of incorporation)
 
(Commission
File Number)
 
(IRS Employer
Identification No.)
 
1016 Civic Center Drive Northwest
Rochester, Minnesota 
 
55901
(Address of principal executive offices)
 
(Zip Code)
 
Registrant's telephone number, including area code (507) 535-1200
 

(Former name or former address, if changed since last report)
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
 
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
Securities registered pursuant to Section 12(b) of the Act:
 
Title of Each Class
Trading Symbol(s)
Name of Each Exchange on Which Registered
Common Stock
HMNF
The Nasdaq Stock Market LLC
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
 
Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
 
1
 
 
Item 2.02.
Results of Operation and Financial Condition.
 
On July 21, 2022, HMN Financial, Inc. (the “Company”) issued a press release (the “Press Release”) that included financial information for its quarter ended June 30, 2022. A copy of the Press Release is attached as Exhibit 99 to this Form 8-K and incorporated by reference into this Item 2.02. The information included in the Press Release is to be considered furnished under the Securities Exchange Act of 1934, as amended.
 
Item 9.01.
Financial Statements and Exhibits
 
(d) Exhibits
 
Exhibit Number   Description
99   Press Release dated July 21, 2022
104   Cover Page Interactive Data File (embedded within the Inline XBRL document)
         
2
 
 
SIGNATURES
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
 
HMN Financial, Inc.
  (Registrant)  
Date: July 22, 2022
By:
/s/ Jon Eberle
Jon Eberle
Senior Vice President,
    Chief Financial Officer and  
    Treasurer  
                                                               
 
3
EX-99 2 ex_397596.htm EXHIBIT 99 ex_397596.htm
 

Exhibit 99

 

 

logo.jpg
1016 Civic Center Drive NW   •   Rochester, MN  55901   •   Phone (507) 535-1200   •   Fax (507) 535-1301

 

 

NEWS RELEASE CONTACT: Bradley Krehbiel
    Chief Executive Officer, President
    HMN Financial, Inc. (507) 252-7169
    FOR IMMEDIATE RELEASE

                  

HMN FINANCIAL, INC. ANNOUNCES SECOND QUARTER RESULTS

 

Second Quarter Summary

Net income of $2.3 million, down $2.2 million, from $4.5 million for second quarter of 2021

Diluted earnings per share of $0.52, down $0.48, from $1.00 for second quarter of 2021

Gain on sale of real estate owned of $0.1 million, down $1.4 million, from $1.5 million for second quarter of 2021

Provision for loan losses of $0.1 million, up $1.0 million, from ($0.9) million for second quarter of 2021

Gain on sales of loans of $0.8 million, down $0.9 million, from $1.7 million for second quarter of 2021

Net interest margin of 3.10%, down 17 basis points, from 3.27% for second quarter of 2021

 

Year to Date Summary

Net income of $3.8 million, down $4.1 million, from $7.9 million for first six months of 2021

Diluted earnings per share of $0.86, down $0.88, from $1.74 for first six months of 2021

Gain on sale of real estate owned of $0.1 million, down $1.4 million, from $1.5 million for first six months of 2021

Provision for loan losses of $0.4 million, up $1.9 million, from ($1.5) million for first six months of 2021

Gain on sales of loans of $1.7 million, down $1.7 million, from $3.4 million for first six months of 2021

Net interest margin of 3.02%, down 29 basis points, from 3.31% for first six months of 2021

 

Net Income Summary

   

Three months ended

   

Six months ended

 
   

June 30,

   

June 30,

 

(Dollars in thousands, except per share amounts)

 

2022

   

2021

   

2022

   

2021

 

Net income

  $ 2,289       4,528     $ 3,776       7,946  

Diluted earnings per share

    0.52       1.00       0.86       1.74  

Return on average assets (annualized)

    0.88

%

    1.86

%

    0.73

%

    1.68

%

Return on average equity (annualized)

    8.09

%

    17.18

%

    6.73

%

    15.31

%

Book value per share

  $ 21.25       23.24     $ 21.25       23.24  

 

ROCHESTER, MINNESOTA, July 21, 2022 - HMN Financial, Inc. (HMN or the Company) (Nasdaq:HMNF), the $1.1 billion holding company for Home Federal Savings Bank (the Bank), today reported net income of $2.3 million for the second quarter of 2022, a decrease of $2.2 million, compared to net income of $4.5 million for the second quarter of 2021. Diluted earnings per share for the second quarter of 2022 was $0.52, a decrease of $0.48, from the diluted earnings per share of $1.00 for the second quarter of 2021. The decrease in net income between the periods was primarily because of a $1.4 million decrease in other non-interest income due to a decrease in the gains realized on the sale of real estate owned. Other items impacting net income were a $1.0 million increase in the provision for loan losses primarily because of the increase in qualitative reserves and a $0.9 million decrease in the gain on sales of loans due to a decrease in mortgage loan originations and sales. These decreases in net income were partially offset by a $0.9 million decrease in income tax expense as a result of the decrease in pre-tax income between the periods.

 

Page 1 of 11

 

Presidents Statement

“We are pleased to report the asset growth that we have experienced and the positive impact that it has had on our net interest income,” said Bradley Krehbiel, President and Chief Executive Officer of HMN. “The increases in the Prime interest rate during the first six months of 2022 also had a positive impact on our net interest income. The combined impact of these items helped offset the reduction in interest income as a result of recording fewer yield enhancements related to the Paycheck Protection Program (PPP) between the periods.”

 

Second Quarter Results

 

Net Interest Income

Net interest income was $7.8 million for the second quarter of 2022, an increase of $0.1 million, or 1.1%, compared to $7.7 million for the second quarter of 2021. Interest income was $8.1 million for the second quarter of 2022, the same as the second quarter of 2021. Interest income remained the same, despite the $62.5 million increase in the average interest-earning assets between the periods, primarily because of a decrease in the average yield earned on interest-earning assets between the periods. The average yield earned on interest-earning assets was 3.22% for the second quarter of 2022, a decrease of 22 basis points from 3.44% for the second quarter of 2021. The decrease in the average yield is primarily related to the $0.6 million decrease in the yield enhancements recognized on PPP loans that were repaid between the periods.

Interest expense was $0.3 million for the second quarter of 2022, a decrease of $0.1 million, or 28.8%, compared to $0.4 million for the second quarter of 2021. Interest expense decreased, despite the $62.2 million increase in the average interest-bearing liabilities and non-interest bearing deposits between the periods, primarily because of the decrease in the average interest rate paid on deposits. The average interest rate paid on interest-bearing liabilities and non-interest bearing deposits was 0.13% for the second quarter of 2022, a decrease of 6 basis points from 0.19% for the second quarter of 2021. The decrease in the interest paid on interest-bearing liabilities was primarily because of the repricing of maturing certificates of deposit in the continued low interest rate environment. Net interest margin (net interest income divided by average interest-earning assets) for the second quarter of 2022 was 3.10%, a decrease of 17 basis points, compared to 3.27% for the second quarter of 2021. The decrease in the net interest margin is primarily related to the decrease in the average yield earned on interest-earning assets. The decrease in the average yield is primarily related to the $0.6 million decrease in the yield enhancements recognized on PPP loans that were repaid between the periods.

 

Page 2 of 11

 

A summary of the Company’s net interest margin for the three and six month periods ended June 30, 2022 and 2021 is as follows:

 

   

For the three month period ended

 
   

June 30, 2022

   

June 30, 2021

 

(Dollars in thousands)

 

Average

Outstanding

Balance

   

Interest

Earned/

Paid

   

Yield/

Rate

   

Average

Outstanding

Balance

   

Interest

Earned/

Paid

   

Yield/

Rate

 

Interest-earning assets:

                                               

Securities available for sale

  $ 299,138       816       1.09

%

  $ 197,739       502       1.02

%

Loans held for sale

    2,710       30       4.53       4,821       38       3.14  

Single family loans, net

    175,948       1,511       3.44       155,205       1,418       3.66  

Commercial loans, net

    459,406       5,151       4.50       442,794       5,571       5.05  

Consumer loans, net

    41,869       473       4.53       47,235       530       4.50  

Other

    27,012       76       1.13       95,750       35       0.15  

Total interest-earning assets

    1,006,083       8,057       3.22       943,544       8,094       3.44  
                                                 

Interest-bearing liabilities:

                                               

Checking accounts

    155,832       38       0.10       161,288       48       0.12  

Savings accounts

    124,170       18       0.06       113,717       18       0.06  

Money market accounts

    267,024       158       0.24       240,852       141       0.24  

Certificate accounts

    78,956       73       0.37       95,306       203       0.86  

Advances and other borrowings

    1,968       5       1.04       0       0       0.00  

Total interest-bearing liabilities

    627,950                       611,163                  

Non-interest checking

    296,715                       251,196                  

Other non-interest bearing deposits

    2,350                       2,425                  

Total interest-bearing liabilities and non-interest bearing deposits

  $ 927,015       292       0.13     $ 864,784       410       0.19  

Net interest income

          $ 7,765                     $ 7,684          

Net interest rate spread

                    3.09

%

                    3.25

%

Net interest margin

                    3.10

%

                    3.27

%

                                                 

 

   

For the six month period ended

 
   

June 30, 2022

   

June 30, 2021

 

(Dollars in thousands)

 

Average

Outstanding

Balance

   

Interest

Earned/

Paid

   

Yield/

Rate

   

Average

Outstanding

Balance

   

Interest

Earned/

Paid

   

Yield/

Rate

 

Interest-earning assets:

                                               

Securities available for sale

  $ 297,264       1,604       1.09

%

  $ 181,220       1,000       1.11

%

Loans held for sale

    3,335       65       3.93       4,953       75       3.04  

Single family loans, net

    173,014       2,947       3.43       150,114       2,747       3.69  

Commercial loans, net

    454,371       9,959       4.42       440,351       10,943       5.01  

Consumer loans, net

    41,301       945       4.61       49,722       1,152       4.67  

Other

    35,256       102       0.58       94,495       66       0.14  

Total interest-earning assets

    1,004,541       15,622       3.14       920,855       15,983       3.50  
                                                 

Interest-bearing liabilities:

                                               

Checking accounts

    158,061       79       0.10       157,802       92       0.12  

Savings accounts

    122,610       36       0.06       109,778       34       0.06  

Money market accounts

    258,929       290       0.23       232,255       270       0.23  

Certificate accounts

    81,635       165       0.41       97,541       467       0.97  

Advances and other borrowings

    990       5       1.04       0       0       0.00  

Total interest-bearing liabilities

    622,225                       597,376                  

Non-interest checking

    300,187                       243,874                  

Other non-interest bearing deposits

    2,492                       2,485                  

Total interest-bearing liabilities and non-interest bearing deposits

  $ 924,904       575       0.13     $ 843,735       863       0.21  

Net interest income

          $ 15,047                     $ 15,120          

Net interest rate spread

                    3.01

%

                    3.29

%

Net interest margin

                    3.02

%

                    3.31

%

                                                 

 

Provision for Loan Losses

The provision for loan losses was $0.1 million for the second quarter of 2022, an increase of $1.0 million compared to ($0.9) million for the second quarter of 2021. The provision for loan losses increased between the periods primarily because of an increase in the qualitative reserves due to the perceived negative impact on borrowers from rising inflation and interest rates. The credit provision recorded in 2021 was primarily the result of improvements in the underlying operations supporting many of the loans that were initially negatively impacted by the COVID-19 pandemic in 2020.

 

Page 3 of 11

 

The allowance for loan losses is made up of general reserves on the entire loan portfolio and specific reserves on impaired loans. The general reserve amount includes quantitative reserves based on the size and risk characteristics of the portfolio and past loan loss history and qualitative reserves for other items determined to have a potential impact on future loan losses. The general reserves increased during the quarter as a result of an increase in the required qualitative reserves. The qualitative reserves for loan losses related to the disruption in business activity as a result of the COVID-19 pandemic was reduced during the quarter because of a perceived reduction in this risk due to improving conditions. The reduction in pandemic related qualitative reserves was entirely offset by an increase in the qualitative reserves for other economic factors. The other qualitative reserves were increased due to a perceived deterioration of economic conditions during the quarter, including an increase in the rate of inflation, and enacted and expected increases in the federal funds rate. Total non-performing assets were $4.3 million at June 30, 2022, a decrease of $0.5 million, or 11.0%, from $4.8 million at March 31, 2022. Non-performing loans decreased $0.2 million and foreclosed and repossessed assets decreased $0.3 million during the second quarter of 2022.

A reconciliation of the Company’s allowance for loan losses for the quarters ended June 30, 2022 and 2021 is summarized as follows:

 

 

(Dollars in thousands)

 

2022

   

2021

 

Balance at March 31,

  $ 9,584       10,132  

Provision

    66       (891 )

Charge offs:

               

Consumer

    (15 )     (11 )

Recoveries

    9       685  

Balance at June 30,

  $ 9,644       9,915  

Allocated to:

               

General allowance

  $ 9,240       9,652  

Specific allowance

    404       263  
    $ 9,644       9,915  
                 

 

The $0.7 million of recoveries in the second quarter of 2021 relates primarily to a commercial loan in the transportation industry.

The following table summarizes the amounts and categories of non-performing assets in the Bank’s portfolio and loan delinquency information as of the end of the three most recently completed quarters.         

 

                   
   

June 30,

   

March 31,

   

December 31,

 

(Dollars in thousands)

 

2022

   

2022

   

2021

 

Non‑performing loans:

                       

Single family

  $ 565     $ 478     $ 340  

Commercial real estate

    3,286       3,551       3,757  

Consumer

    436       500       517  

Commercial

    7       7       7  

Total

    4,294       4,536       4,621  
                         

Foreclosed and repossessed assets:

                       

Commercial real estate

    0       290       290  

Total non‑performing assets

  $ 4,294     $ 4,826     $ 4,911  

Total as a percentage of total assets

    0.40

%

    0.47

%

    0.46

%

Total as a percentage of total loans receivable

    0.62

%

    0.66

%

    0.70

%

Allowance for loan loss to non-performing loans

    224.61

%

    211.31

%

    200.81

%

                         

Delinquency data:

                       

Delinquencies (1)

                       

30+ days

  $ 2,504     $ 913     $ 1,418  

90+ days

    0       0       0  

Delinquencies as a percentage of loan portfolio (1)

                       

30+ days

    0.36

%

    0.13

%

    0.21

%

90+ days

    0.00

%

    0.00

%

    0.00

%

 

(1) Excludes non-accrual loans.

 

Page 4 of 11

 

Non-Interest Income and Expense

Non-interest income was $2.5 million for the second quarter of 2022, a decrease of $2.2 million, or 46.9%, from $4.7 million for the second quarter of 2021. Other non-interest income decreased $1.4 million due primarily to a decrease in the gains that were realized on the sale of real estate owned between the periods. Gain on sales of loans decreased $0.9 million due primarily to a decrease in mortgage loan originations and sales between the periods. These decreases in non-interest income were partially offset by a slight increase in fees and service charges due primarily to an increase in overdraft fees between the periods. Loan servicing fees increased slightly between the periods due to an increase in the aggregate balances of single family mortgage loans that were being serviced for others.

Non-interest expense was $7.0 million for the second quarter of 2022, the same as for the second quarter of 2021. Data processing expenses increased $0.2 million between the periods primarily because of the change to an outsourced data processing relationship at the end of the first quarter of 2022. Compensation and benefits expense increased $0.1 million primarily because of a decrease in the direct loan origination compensation costs that were deferred as a result of the decreased mortgage loan production between the periods. These increases in non-interest expense were partially offset by a $0.2 million decrease in occupancy and equipment expense due primarily to a decrease in rent expense between the periods as a result of purchasing the combined corporate and branch location in Rochester, Minnesota in the fourth quarter of 2021. Other non-interest expense decreased slightly between the periods primarily because of a decrease in mortgage servicing expenses as a result of having less loans in the servicing portfolio being prepaid. Professional services expense decreased slightly between the periods primarily because of a decrease in employee recruiting fees paid.

Income tax expense was $0.9 million for the second quarter of 2022, a decrease of $0.9 million from $1.8 million for the second quarter of 2021. The decrease in income tax expense between the periods is primarily the result of a decrease in pre-tax income.

 

Return on Assets and Equity

Return on average assets (annualized) for the second quarter of 2022 was 0.88%, compared to 1.86% for the second quarter of 2021. Return on average equity (annualized) was 8.09% for the second quarter of 2022, compared to 17.18% for the second quarter of 2021. Book value per common share at June 30, 2022 was $21.25, compared to $23.24 at June 30, 2021. The reduction in the book value per common share between the periods is primarily related to the increase in the unrealized losses on the available for sale securities portfolio that were recorded in equity as other comprehensive losses.

 

 

Six Month Period Results

 

Net Income         

Net income was $3.8 million for the six month period ended June 30, 2022, a decrease of $4.1 million, or 52.5%, compared to net income of $7.9 million for the six month period ended June 30, 2021. Diluted earnings per share for the six month period ended June 30, 2022 was $0.86, a decrease of $0.88 per share compared to diluted earnings per share of $1.74 for the same period in 2021. The decrease in net income between the periods was primarily because of a $1.9 million increase in the provision for loan losses due to an increase in qualitative reserves, a $1.7 million decrease in the gain on sales of loans due to a decrease in mortgage loan originations and sales, a $1.4 million decrease in other non-interest income primarily because of a decrease in the gains that were realized on the sale of real estate owned, and a $0.5 million increase in compensation and benefits expense primarily because of a decrease in the direct loan origination compensation costs that were deferred as a result of the decreased mortgage loan production. These decreases in net income were partially offset by a $1.6 million decrease in income tax expense as a result of the decrease in pre-tax income between the periods.

 

Net Interest Income

Net interest income was $15.0 million for the first six months of 2022, a decrease of $0.1 million, or 0.5%, compared to $15.1 million for the same period of 2021. Interest income was $15.6 million for the first six months of 2022, a decrease of $0.4 million, or 2.3%, from $16.0 million for the first six months of 2021. Interest income decreased, despite the $83.7 million increase in the average interest-earning assets between the periods, primarily because of a decrease in the average yield earned on interest-earning assets between the periods. The average yield earned on interest-earning assets was 3.14% for the first six months of 2022, a decrease of 36 basis points from 3.50% for the first six months of 2021. The decrease in the average yield is primarily related to the $1.2 million decrease in the yield enhancements recognized on PPP loans that were repaid between the periods.

 

Page 5 of 11

 

Interest expense was $0.6 million for the first six months of 2022, a decrease of $0.3 million, or 33.4%, compared to $0.9 million for the same period of 2021. Interest expense decreased, despite the $81.2 million increase in the average interest-bearing liabilities and non-interest bearing deposits between the periods, primarily because of the decrease in the average interest rate paid on deposits. The average interest rate paid on interest-bearing liabilities and non-interest bearing deposits was 0.13% for the first six months of 2022, a decrease of 8 basis points from 0.21% for the first six months of 2021. The decrease in the interest paid on interest-bearing liabilities was primarily because of the repricing of maturing certificates of deposit in the continued low interest rate environment. Net interest margin (net interest income divided by average interest-earning assets) for the first six months of 2022 was 3.02%, a decrease of 29 basis points, compared to 3.31% for the first six months of 2021. The decrease in the net interest margin is primarily related to the decrease in the average yield earned on interest-earning assets. The decrease in the average yield is primarily related to the $1.2 million decrease in the yield enhancements recognized on PPP loans that were repaid between the periods.

 

Provision for Loan Losses

The provision for loan losses was $0.4 million for the first six months of 2022, an increase of $1.9 million compared to ($1.5) million for the first six months of 2021. The provision for loan losses increased between the periods primarily because of an increase in the qualitative reserves due to the perceived negative impact on borrowers of rising inflation and interest rates. The credit provision recorded in 2021 was primarily the result of improvements in the underlying operations supporting many of the loans that were initially negatively impacted by the COVID-19 pandemic in 2020.

The allowance for loan losses is made up of general reserves on the entire loan portfolio and specific reserves on impaired loans. The general reserve amount includes quantitative reserves based on the size and risk characteristics of the portfolio and past loan loss history and qualitative reserves for other items determined to have a potential impact on future loan losses. The general reserves increased during the period as a result of an increase in the required quantitative reserves due to an increase in the loan portfolio and changes in the risk characteristics of certain loans. The qualitative allowance for loan losses related to the disruption in business activity as a result of the COVID-19 pandemic was reduced during the period because of a perceived reduction in this risk due to improving conditions. The reduction in pandemic related qualitative reserves was entirely offset by an increase in the qualitative reserves for other economic factors. The other qualitative reserves were increased due to a perceived deterioration of economic condition during the first six months of 2022, including an increase in the rate of inflation, and enacted and expected increases in the federal funds rate. Total non-performing assets were $4.3 million at June 30, 2022, a decrease of $0.6 million, or 12.6%, from $4.9 million at December 31, 2021. Non-performing loans decreased $0.3 million and foreclosed and repossessed assets decreased $0.3 million during the first six months of 2022.

A reconciliation of the Company’s allowance for loan losses for the six month periods ended June 30, 2022 and 2021 is summarized as follows:

 

             

(Dollars in thousands)

 

2022

   

2021

 

Balance at January 1,

  $ 9,279       10,699  

Provision

    362       (1,467 )

Charge offs:

               

Consumer

    (16 )     (42 )

Recoveries

    19       725  

Balance at June 30,

  $ 9,644       9,915  
                 

 

The $0.7 million of recoveries in the first six months of 2021 relates primarily to a commercial loan in the transportation industry

 

Page 6 of 11

 

Non-Interest Income and Expense

Non-interest income was $4.9 million for the first six months of 2022, a decrease of $3.1 million, or 38.8%, from $8.0 million for the first six months of 2021. Gain on sales of loans decreased $1.7 million due primarily to a decrease in mortgage loan originations and sales between the periods. Other non-interest income decreased $1.4 million due primarily because of a decrease in the gains that were realized on the sale of real estate owned between the periods. These decreases in non-interest income were partially offset by a $0.1 million increase in fees and service charges due primarily to an increase in overdraft fees between the periods. Loan servicing fees increased slightly between the periods due to an increase in the aggregate balances of single family mortgage loans that were being serviced for others.          Non-interest expense was $14.2 million for the first six months of 2022, an increase of $0.7 million, or 5.8%, from $13.5 million for the first six months of 2021. Compensation and benefits expense increased $0.5 million primarily because of a decrease in the direct loan origination compensation costs that were deferred as a result of the decreased mortgage loan production between the periods. Professional services expense increased $0.3 million between the periods primarily because of an increase in legal expenses relating to a bankruptcy litigation claim that was settled during the first quarter of 2022. Data processing expenses increased $0.2 million between the periods primarily because of the change to an outsourced data processing relationship at the end of the first quarter of 2022. These increases in non-interest expense were partially offset by a $0.3 million decrease in occupancy and equipment expense due primarily to a decrease in rent expense between the periods as a result of purchasing the combined corporate and branch location in Rochester, Minnesota in the fourth quarter of 2021. Other non-interest expense decreased slightly between the periods primarily because of a decrease in mortgage servicing expenses as a result of having less loans in the servicing portfolio being prepaid.

Income tax expense was $1.6 million for the first six months of 2022, a decrease of $1.6 million from $3.2 million for the first six months of 2021. The decrease in income tax expense between the periods is primarily the result of a decrease in pre-tax income.

 

Return on Assets and Equity

Return on average assets (annualized) for the six month period ended June 30, 2022 was 0.73%, compared to 1.68% for the same six month period in 2021. Return on average equity (annualized) was 6.73% for the six month period ended June 30, 2022, compared to 15.31% for the same six month period in 2021. Book value per common share at June 30, 2022 was $21.25, compared to $23.24 at June 30, 2021. The reduction in the book value per common share between the periods is primarily related to the increase in the unrealized losses on the available for sale securities portfolio that were recorded in equity as other comprehensive losses.

 

General Information

HMN Financial, Inc. and the Bank are headquartered in Rochester, Minnesota. Home Federal Savings Bank operates twelve full service offices in Minnesota located in Albert Lea, Austin, Eagan, Kasson, La Crescent, Owatonna, Rochester (4), Spring Valley and Winona, one full service office in Marshalltown, Iowa, and one full service office in Pewaukee, Wisconsin. The Bank also operates two loan origination offices located in Sartell, Minnesota and La Crosse, Wisconsin.

 

Safe Harbor Statement

This press release may contain forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. These statements are often identified by such forward-looking terminology as “expect,” “estimate,” “intend,” “look,” “believe,” “anticipate,” “project,” “continue,” “may,” “will,” “would,” “could,” “target,” “goal,” “should,” and “trend,” or similar statements or variations of such terms and include, but are not limited to, those relating to: maintaining credit quality; maintaining net interest margins; the adequacy and amount of available liquidity and capital resources to Home Federal Savings Bank (the Bank); the Company’s liquidity and capital requirements; enacted and expected changes to the federal funds rate; the anticipated impacts of the COVID-19 pandemic and efforts to mitigate the same on the general economy, the Bank’s clients, and the allowance for loan losses; the amount of the Bank’s non-performing assets in future periods and the appropriateness of the allowances therefor; anticipated future levels of the provision for loan losses; future losses on non-performing assets; the amount and composition of interest earning assets; the amount and compositions of non-interest and interest-bearing liabilities; the availability of alternate funding sources; the payment of dividends or repurchases of stock by HMN; the amount of deposits that will be withdrawn from checking and money market accounts and how the withdrawn deposits will be replaced; the projected changes in net interest income based on rate shocks; the range that interest rates may fluctuate over the next twelve months; the net market risk of interest rate shocks; the future outlook for the issuer of the trust preferred securities held by the Bank; the ability of the Bank to pay dividends to HMN; the ability to remain well capitalized; the impact of new accounting pronouncements; and compliance by the Bank with regulatory standards generally (including the Bank’s status as “well-capitalized”) and other supervisory directives or requirements to which the Company or the Bank are or may become expressly subject.

 

Page 7 of 11

 

A number of factors, many of which may be amplified by the COVID-19 pandemic and efforts to mitigate the same, could cause actual results to differ materially from the Company’s assumptions and expectations. These include but are not limited to the adequacy and marketability of real estate and other collateral securing loans to borrowers; federal and state regulation and enforcement; possible legislative and regulatory changes, including changes to regulatory capital rules; the ability of the Bank to comply with other applicable regulatory capital requirements; enforcement activity of the Office of the Comptroller of the Currency and the Federal Reserve Bank of Minneapolis in the event of non-compliance with any applicable regulatory standard or requirement; adverse economic, business and competitive developments such as shrinking interest margins, reduced collateral values, deposit outflows, changes in credit or other risks posed by the Company’s loan and investment portfolios; changes in costs associated with traditional and alternate funding sources, including changes in collateral advance rates and policies of the Federal Home Loan Bank and the Federal Reserve Bank; technological, computer-related or operational difficulties including those from any third party cyberattack; results of litigation; reduced demand for financial services and loan products; changes in accounting policies and guidelines, or monetary and fiscal policies of the federal government or tax laws; domestic and international economic developments; the Company’s access to and adverse changes in securities markets; the market for credit related assets; the future operating results, financial condition, cash flow requirements and capital spending priorities of the Company and the Bank; the availability of internal and, as required, external sources of funding; the Company’s ability to attract and retain employees; or other significant uncertainties. Additional factors that may cause actual results to differ from the Company’s assumptions and expectations include those set forth in the “Risk Factors” section of the Company’s Annual Report on Form 10-K for the year ended December 31, 2021and Part II, Item 1A of its subsequently filed quarterly reports on Form 10-Q. All statements in this press release, including forward-looking statements, speak only as of the date they are made, and the Company undertakes no duty to update any of the forward-looking statements after the date of this press release.

 

(Three pages of selected consolidated financial information are included with this release.)

 

 

***END***

 

Page 8 of 11

 

HMN FINANCIAL, INC. AND SUBSIDIARIES

Consolidated Balance Sheets

 
   

June 30,

   

December 31,

 

(Dollars in thousands)

 

2022

   

2021

 
   

(unaudited)

         

Assets

               

Cash and cash equivalents

  $ 94,954       94,143  

Securities available for sale:

               

Mortgage-backed and related securities (amortized cost $237,544 and $247,275)

    215,504       245,397  

Other marketable securities (amortized cost $55,696 and $40,691)

    53,852       40,368  
      269,356       285,765  
                 

Loans held for sale

    2,709       5,575  

Loans receivable, net

    678,512       652,502  

Accrued interest receivable

    2,396       2,132  

Mortgage servicing rights, net

    3,234       3,280  

Premises and equipment, net

    16,950       17,373  

Goodwill

    802       802  

Core deposit intangible

    0       10  

Prepaid expenses and other assets

    5,704       5,427  

Deferred tax asset, net

    7,392       2,529  

Total assets

  $ 1,082,009       1,069,538  
                 
                 

Liabilities and Stockholders Equity

               

Deposits

  $ 978,863       950,666  

Accrued interest payable

    53       63  

Customer escrows

    2,133       2,143  

Accrued expenses and other liabilities

    5,112       6,635  

Total liabilities

    986,161       959,507  

Commitments and contingencies

               

Stockholders’ equity:

               

Serial-preferred stock: ($.01 par value) authorized 500,000 shares; issued 0

    0       0  

Common stock ($.01 par value): authorized 16,000,000 shares; issued 9,128,662

    91       91  

Additional paid-in capital

    40,775       40,740  

Retained earnings, subject to certain restrictions

    134,661       131,413  

Accumulated other comprehensive loss

    (17,852 )     (1,583 )

Unearned employee stock ownership plan shares

    (1,159 )     (1,256 )

Treasury stock, at cost 4,617,686 and 4,564,087 shares

    (60,668 )     (59,374 )

Total stockholders’ equity

    95,848       110,031  

Total liabilities and stockholders’ equity

  $ 1,082,009       1,069,538  

 

Page 9 of 11

 

HMN FINANCIAL, INC. AND SUBSIDIARIES

Consolidated Statements of Comprehensive Income

(unaudited)

 

   

Three Months Ended

   

Six Months Ended

 
   

June 30,

   

June 30,

 

(Dollars in thousands, except per share data)

 

2022

   

2021

   

2022

   

2021

 

Interest income:

                               

Loans receivable

  $ 7,165       7,557       13,916       14,917  

Securities available for sale:

                               

Mortgage-backed and related

    708       440       1,435       831  

Other marketable

    108       62       169       169  

Other

    76       35       102       66  

Total interest income

    8,057       8,094       15,622       15,983  
                                 

Interest expense:

                               

Deposits

    287       410       570       863  

Advances and other borrowings

    5       0       5       0  

Total interest expense

    292       410       575       863  

Net interest income

    7,765       7,684       15,047       15,120  

Provision for loan losses

    66       (891 )     362       (1,467 )

Net interest income after provision for loan losses

    7,699       8,575       14,685       16,587  
                                 

Non-interest income:

                               

Fees and service charges

    810       783       1,576       1,522  

Loan servicing fees

    396       384       782       779  

Gain on sales of loans

    814       1,665       1,682       3,438  

Other

    496       1,910       851       2,258  

Total non-interest income

    2,516       4,742       4,891       7,997  
                                 

Non-interest expense:

                               

Compensation and benefits

    4,162       4,096       8,450       7,917  

Occupancy and equipment

    897       1,104       1,947       2,211  

Data processing

    576       368       930       715  

Professional services

    260       283       789       486  

Other

    1,088       1,129       2,119       2,130  

Total non-interest expense

    6,983       6,980       14,235       13,459  

Income before income tax expense

    3,232       6,337       5,341       11,125  

Income tax expense

    943       1,809       1,565       3,179  

Net income

    2,289       4,528       3,776       7,946  

Other comprehensive (loss) income, net of tax

    (6,251 )     421       (16,269 )     (820 )

Comprehensive (loss) income available to common stockholders

  $ (3,962 )     4,949       (12,493 )     7,126  

Basic earnings per share

  $ 0.52       1.01       0.86       1.76  

Diluted earnings per share

  $ 0.52       1.00       0.86       1.74  
                                 

 

Page 10 of 11

 

HMN FINANCIAL, INC. AND SUBSIDIARIES

Selected Consolidated Financial Information

(unaudited)

 

SELECTED FINANCIAL DATA:

 

Three Months Ended June 30,

   

Six Months Ended June 30,

 

(Dollars in thousands, except per share data)

 

2022

   

2021

   

2022

   

2021

 

I. OPERATING DATA:

                               

Interest income

  $ 8,057       8,094       15,622       15,983  

Interest expense

    292       410       575       863  

Net interest income

    7,765       7,684       15,047       15,120  
                                 

II. AVERAGE BALANCES:

                               

Assets (1)

    1,044,524       977,622       1,042,629       955,320  

Loans receivable, net

    677,223       645,234       668,686       640,187  

Securities available for sale (1)

    299,138       197,739       297,264       181,220  

Interest-earning assets (1)

    1,006,083       943,544       1,004,541       920,855  

Interest-bearing liabilities and non-interest bearing deposits

    927,015       864,784       924,904       843,735  

Equity (1)

    113,541       105,693       113,072       104,661  
                                 

III. PERFORMANCE RATIOS: (1)

                               

Return on average assets (annualized)

    0.88

%

    1.86

%

    0.73

%

    1.68

%

Interest rate spread information:

                               

Average during period

    3.09       3.25       3.01       3.29  

End of period

    2.98       3.56       2.98       3.56  

Net interest margin

    3.10       3.27       3.02       3.31  

Ratio of operating expense to average total assets (annualized)

    2.68       2.86       2.75       2.84  

Return on average equity (annualized)

    8.09       17.18       6.73       15.31  

Efficiency

    67.92       56.17       71.39       58.22  
   

June 30,

   

December 31,

   

June 30,

         
   

2022

   

2021

   

2021

         

IV. EMPLOYEE DATA:

                               

Number of full time equivalent employees

    169       164       171          
                                 

V. ASSET QUALITY:

                               

Total non-performing assets

  $ 4,294       4,911       1,753          

Non-performing assets to total assets

    0.40

%

    0.46

%

    0.18

%

       

Non-performing loans to total loans receivable

    0.62

%

    0.70

%

    0.27

%

       

Allowance for loan losses

  $ 9,644       9,279       9,915          

Allowance for loan losses to total assets

    0.89

%

    0.87

%

    1.01

%

       

Allowance for loan losses to total loans receivable

    1.40       1.40       1.53          

Allowance for loan losses to non-performing loans

    224.61       200.81       565.75          
                                 

VI. BOOK VALUE PER SHARE:

                               

Book value per share common share

  $ 21.25       24.11       23.24          
                                 
   

Six Months
Ended

June 30, 2022

   

Year Ended

December 31,

2021

   

Six Months
Ended

June 30, 2021

         

VII. CAPITAL RATIOS:

                               

Stockholders’ equity to total assets, at end of period

    8.86

%

    10.29

%

    11.00

%

       

Average stockholders’ equity to average assets (1)

    10.84       10.92       10.96          

Ratio of average interest-earning assets to average interest-bearing liabilities and non-interest bearing deposits(1)

    108.61       109.17       109.14          

Home Federal Savings Bank regulatory capital ratios:

                               

Common equity tier 1 capital ratio

    12.85       13.18       14.28          

Tier 1 capital leverage ratio

    9.71       9.47       10.01          

Tier 1 capital ratio

    12.85       13.18       14.28          

Risk-based capital

    14.06       14.43       15.53          

 

 

1)

Average balances were calculated based upon amortized cost without the market value impact of ASC 320.

 

Page 11 of 11
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Document And Entity Information
Jul. 21, 2022
Document Information [Line Items]  
Entity, Registrant Name HMN Financial, Inc.
Document, Type 8-K
Document, Period End Date Jul. 21, 2022
Entity, Incorporation, State or Country Code DE
Entity, File Number 0-24100
Entity, Tax Identification Number 41-1777397
Entity, Address, Address Line One 1016 Civic Center Drive Northwest
Entity, Address, City or Town Rochester
Entity, Address, State or Province MN
Entity, Address, Postal Zip Code 55901
City Area Code 507
Local Phone Number 535-1200
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock
Trading Symbol HMNF
Security Exchange Name NASDAQ
Entity, Emerging Growth Company false
Amendment Flag false
Entity, Central Index Key 0000921183
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